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Invest in new products (Ping An Universal Insurance)
Ping An Universal Critical Illness is the most competitive lifelong critical illness health insurance in China!
It is the only health insurance that can enjoy the profit distribution of insurance companies!
Features:
1, initiated by Chinese mainland.
Everyone can only buy it once in his life.
3, can be used as a serious illness fund before pension.
4, security, fund appreciation 5, the elderly can be transferred to pension funds.
The biggest feature: freedom of payment, freedom of collection!
Income+guarantee: kill two birds with one stone, and live a safe and worry-free life! ! ! !
Not only life insurance, medical care, pension, but also investment and financial management. Ping An's new generation universal insurance, which integrates the above functions, is newly listed.
The plan fully meets the needs of consumers in many aspects, such as personal protection, health care, investment and financial management, with the combination of "Ping An Zhi Win Life Universal Life Insurance+Critical Illness Insurance".
Man's life is like the sun. From sunrise to sunset, it will cross a clear "parabola" in the sky. From development to growth, from growth to maturity, from maturity to stability, from stability to retirement, it is bound to go through different stages of life. For example, learning to make a living, starting a family, raising children and taking care of the inheritance, during which everyone's physical condition, economic situation, family situation, children's education and so on. Everyone needs a solid economic foundation as capital, and many factors will not remain unchanged, and extraordinary changes will inevitably occur. As a "universal life insurance" integrating investment and protection, it provides customers with a convenient way to choose their own protection functions flexibly and freely. Based on the principle of "respecting personal needs and freely choosing protection", customers can rationally allocate personal resources and get more protection and benefits for life.
Yesterday, the author learned from Ping An in China that Ping An's new generation of universal insurance-"Ping An Zhiying Life Universal Life Insurance" will be listed on June 5438+ 10/. "Ping An Zhiying Life Universal Life Insurance Health Comprehensive Protection Plan" ensures that customers can enjoy traditional life insurance, investment and financial management, and at the same time pay extra critical illness insurance in advance, providing customers with double protection of health insurance and whole life insurance.
The plan has obvious advantages, flexible premium payment and flexible double protection, which is very suitable for lifelong protection planning. At the same time, the plan has stable investment income, flexible financial management function and open and transparent product characteristics. This is a comprehensive plan tailored for individuals and families, taking into account safety and financial management.
The insured amount can be adjusted according to the demand.
Under the condition that the customer pays the insurance premium on time, the customer can apply for adjusting the insurance amount according to his own needs from the second policy year. When the risk increases, the insured amount can be increased; When you want to improve the wealth management income and weaken the protection, you can adjust the minimum protection amount, and the insurance amount is not less than 5 times of the prepaid premium.
The minimum guaranteed interest rate is 1.75%.
Ping An's "Smart Win Life" universal life insurance is invested and operated by experts, and promises customers that the annual settlement interest rate of personal accounts is not lower than 1.75%. This product has low risk level, and can provide customers with medium and long-term investment and stable income return at the same time.
According to the interim results of 2007 released by China Ping An, according to International Financial Reporting Standards (IFRS), the net profit of China Ping An reached RMB 9.969 billion in the six months to June 30th, an increase of 65,438+039.5% compared with the same period in 2006. China Ping An's assets increased by 24.9% to RMB 665,438+077.72 million compared with the end of 2006, and its total equity increased by 654,38+004.3% to RMB 97,573 million compared with the end of 2006. Earnings per share is 65438 yuan +0.39 yuan. The total investment income increased by 167.6% to 25.668 billion yuan (in the same period of 2006: 9.593 billion yuan), and the total investment yield increased to 9.9% (in the same period of 2006: 5.8%).
There are many rewards for continuous payment.
Customers can not only get investment income, but also get "special reward for continuous payment" by taking out Ping An universal life insurance. Specifically, within three years from the effective date, the insurance purchased by customers will pay the insurance premium on schedule every year. From the fourth policy year, as long as the customer pays the premium on time, Ping An will give an extra 2% of the current premium as a special reward for the customer's continuous payment, which will be directly included in the customer's policy value.
Transparency of policy value
"Transparent and open policy value" is a remarkable feature of Ping An Universal Life Insurance. China Ping An Life Insurance Company of China Insurance Company listed three elements of product pricing-guarantee cost, interest rate and expenses, and the expenses were clear at a glance. The company also announces the settlement interest rate through major media every month, and customers can also inquire about various situations through Ping An Call Center (955 1 1), customer service center of China Ping An Life Insurance Company of China Insurance Company Branch and insurance agents. China Ping An Life Insurance Company of China Insurance Company also sends the annual report of individual insurance policy to customers every year.
One guarantee and two guarantees.
"Ping An Zhiying Life Universal Life Insurance Health Comprehensive Protection Plan" will follow the flexible payment method of universal life insurance, and pay the critical illness insurance in advance only from the policy value, and no longer collect the premium separately.
In this combination, customers only need to pay the fees on schedule according to the contract every year, and enjoy life insurance and critical illness protection at the same time. Critical illness protection includes 28 major diseases for men and 30 major diseases for women. (Li Yongchun Dai Xiong Wen)
Related case
Mr. Li, 30 years old, with an annual income of 65,438+10,000 yuan, is under great work pressure. He hopes to have an insurance plan, which can realize the double protection of individuals and health, as well as the function of investment and financial management. He chose "Ping An Zhiying Life Universal Life Insurance Health Comprehensive Protection Plan", with an annual premium of 1 1,000 yuan, a payment period of 20 years and a cumulative payment of 200,000 yuan. At the time of insurance, the basic coverage of primary insurance and secondary insurance is 200,000 yuan, and Mr. Li's main insurance benefits are as follows:
1. Pay 200,000 yuan for death and 200,000 yuan for major diseases in advance. 2.60-year-old can receive a pension of 448,000 yuan (intermediate) after not suffering from major diseases, and 549,000 yuan (high-end) at the age of 70.